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PDL not willing to cooperate

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PDLs not cooperating
I have several payday loans with a few companies. I have sent a letters stating they are illegal in state of New Jersey, revoke ACH, closed out my account, and stated I would pay principal balance. I also gave them a CEASE and DESIST letter from contacting me on the phone, email communication only.
I have recently signed up with MyPayDayRelief in which most of the PDLS state they will not work with the company but MPDR states they have worked and settled with these agencies.

PayDayMobility: 800 - 310 - 490
No response to my email offer of $490
Collector wants $910.00

CashInAWink: 300 - 140 - $160
They will only talk via phone and won't settle

North Cash 350 - 105 - $245
No response to my offer

Everest Cash: 500 - 100 - $400
Sent me an email stating account is PAID IN FULL . I have not paid it off. What should I do?

One Click: 300 - 100 - $200
Will not email me back on offer. Wants full payment. Still receiving calls when I specifically mentioned CEASE and DESIST.

Cash Call: 1,500 - 300 - $1200
Will not work on payment plan and does not want to work with MPDR

I also received more spam calls stating they were process servers, wanting to verify my information to serve me at my county courthouse. I asked a law enforcement friend to call them to never call my job, cell and surprisingly home number that I never mentioned to anyone.

Your bank account is secure - so your money is secure.. it will be OK.. as for Everest - Print the PIF and be done -- who are you to argue with them -:) they don't want more money - they have given you what you need.. Cash Call was this loan with them originally or with Western Sky?

Sub: #1 posted on Sun, 07/28/2013 - 03:55

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: 288.12)

Why go with MyDaydayRelief when you can handle the lenders yourself and save money? If the lenders won't communicate via email, then no money to them....their loss.

Sub: #2 posted on Sun, 07/28/2013 - 04:01

bingonut bingonut

(Posts: 1433 | Credits: 168.82)

Also MPDR - sounds a little fishy if they are telling you that they will work with unlicensed illegal lenders in the first place.. I would cancel anything with them right away - hope you have not given them any money..

Sub: #3 posted on Sun, 07/28/2013 - 04:53

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: 288.12)

I will cancel MPDR. I originally had paid them a fee of $275.00 on pre paid. Every time I called them they kept giving me the same information and said they are handling it. I know it was something stupid I did before I started this reading forum.

Originally loan with Western Sky that was transferred to Cash Call.

This is my letter I had sent to the PDL

Attn: Customer Service or Manager of Collection Department

RE: Account Number:

Please note, I have advised Customer Service and/or Collection Department that my social security number and checking account number had been compromised, as various companies were trying to validate my information; also stating that I owed money to certain unknown companies that were false. As advised by my Attorney, I had to stop my checking account and inform all my creditors of this process.

After researching internet payday loan laws in the State of New Jersey, I have found that ______ is actually doing business illegally within the state of New Jersey, such practice is considered illegal according to cash checking laws (Consumer loan act, N.J. Stat. Ann. tit. 17, 1 et seq., N.J. Stat. Ann. 2C: 21-19., N.J. Stat. Ann. 17:15A-47. The State of New Jersey forbids Payday Lenders from charging borrowers the interest rate exceeding 30% per annum.

According to ( PDL company's state) Loan

Laws, the ( their state) legislation ( state their pdl legislation.

I hereby revoke any and all ACH debit authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I have closed my account with JP Morgan Chase to protect my interest in this matter, per instructions from the FDCPA. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any one part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so somewhat attempts to do in like manner on your part will be rejected.

This letter will serve as a CEASE and DESIST notification, as I demand that any contact be made through via EMAIL only. I will need everything in writing to keep accurate records of all communication in the manner that per instruction from my attorney.

This CEASE and DESIST, prohibits ( PDL) and its affiliates to contact me via telephone at my place of employment or anyone within the offices; or any other numbers you have attained. I also prohibit you from calling my references listed on my loan.

By law I am responsible to pay the principal balance owed. I will be sending the following payment via money order on ( dates mentioned). Please send me a physical address where to send payment.

I expect a response from (PDL company) no later than 5 days from a Manager of Customer Service or. Collection Department.

Sub: #4 posted on Mon, 07/29/2013 - 01:18


Western Sky will send you a lot of Mail - just remember do not return any thing to them.. nothing.. they want you to sign that you have a loan with Cash Call - and they are modifying it -- again do not send anything back to them - just start a file.. The only way you send them anything is if they agree to your remaining principal balance and your terms - if not they get nothing - I have been waiting since Oct.. they sent me to their collections Delbert Services in March - I sent C&D and have not gotten anything since.. oh and when I sent fax to Delbert Services the fax came back received from Cash Call if that explains everything..

Sub: #5 posted on Mon, 07/29/2013 - 01:43

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: 288.12)

I also have a loan with Plain Green.

Total Borrowed =800.00

Total Paid = 949.26

Refund = 149.26

I had just sent them a letter and sent it via email stating its paid in full.

Sub: #6 posted on Mon, 07/29/2013 - 02:06


Should I be worried of PaydayMobility not responding to me of the balance I owed according to letter I had sent?

Do they report to credit reporting agencies?

I do have a loan with Cash Call as it was transferred from Western Sky in May. paid them only $294.00

Thank you very much for the helpful links. I appreciate your time.

Sub: #7 posted on Mon, 07/29/2013 - 02:11


Cash Call only services the loans for Western Sky - in fact they are the same company... Yes the report - you will want to dispute on your credit.

Sub: #8 posted on Mon, 07/29/2013 - 04:43

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: 288.12)

You are quite welcome....keep up the good work and keep us posted on your progress!

Sub: #9 posted on Mon, 07/29/2013 - 07:36

bingonut bingonut

(Posts: 1433 | Credits: 168.82)

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